Mitchell County property record for 226 Tappan St, Spruce Pine, NC 28777
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1979 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,132 (2026) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0890-17-11-1470 |
| Primary APN | 0890-17-11-1470 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Wood |
| Lot Area | 24,394 sqft (0.56 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 555752753 |
|---|---|
| Street Address | 226 TAPPAN ST |
| City | SPRUCE PINE |
| State | NC |
| Zip | 28777-2967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 52 BL 3 LOT 6 |
| Legal Subdivision | TAPPAN S OFFICIAL MAP OF SOUTH PINE |
| Legal Lot Number | 6 |
| Jurisdiction | MITCHELL NC |
| Township / Civil Division | GRASSY CREEK |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 950400 |
Source: Mitchell County records, as of September 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 226 TAPPAN ST, SPRUCE PINE, NC 28777-2967 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 3, 2020 |
| Transfer Doc | 609/848 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MITCHELL NC |
| Recording Date | Jan 10, 2020 |
| Property Address | 226 TAPPAN ST, SPRUCE PINE, NC 28777-2967 |
| Document Number | 609/848 |
| Book / Page | 609 / 848 |
| Map Reference | MB 1 PG 40 |
| Instrument Date | Jan 3, 2020 |
| Instrument | 2020000053 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 226 TAPPAN ST, SPRUCE PINE, NC 28777-2967 |
| Document Number | 2020000054 |
|---|---|
| Date | Jan 10, 2020 |
| Instrument | 2020000054 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Mitchell County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mitchell County |
| Municipality | Spruce Pine Town |
| Unified School District | Mitchell County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,132.00 | $202,300 (-) Land $22,000 Building $180,300 | |
| 2025 | $1,132.00 | $202,300 (-) Land $22,000 Building $180,300 | |
| 2023 | $1,132.00 | $202,300 Land $22,000 Building $180,300 | $202,300 Land $22,000 Building $180,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2004–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SPRUCE PINE serves 5,661 people · EPA ID NC0161010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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